2016 Kia Forte Insurance Quotes

Trying to find the cheapest car insurance rates for your Kia Forte? Are you drained from sacrificing to make your car insurance payment? You have the same problem as most other vehicle owners.

Since vehicle owners have many insurance companies to choose from, it can be impossible to find the right car insurance company.

Informed consumers can save money

Many different elements are part of the equation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other criteria are not quite as obvious like your vehicle usage or your vehicle rating.

• When should you file a policy claims? – Insurance companies provide the lowest premiums to people who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Insure your auto and home with one company – Lots of insurers give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount applied, you still need to compare other insurance prices to verify if the discount is saving money.
• Lower premiums for safer cars – Cars with five star safety ratings cost less to insure. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Kia Forte earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Gaps in coverage mean higher car insurance rates – Driving any period of time without insurance is against the law and any future policy may cost more because you let your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance may result in fines or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Gender as a rate factor – Statistics have proven females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Males and females are responsible for accidents in similar numbers, but males tend to have more serious accidents. Men also statistically get more serious tickets like DWI (DUI) or reckless driving.
• Younger driver insurance prices – Young drivers tend to be careless and easily distracted in a vehicle therefore car insurance rates are much higher. Older drivers are proven to be safer behind the wheel, cost insurance companies less in claims .
• Prevent theft and reduce premiums – Choosing to buy a car with an alarm system can help lower your rates. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.
• Marriage is a good thing – Being married helps lower the price when shopping for car insurance. Marriage usually means you are more mature and responsible it has been statistically shown that married drivers tend to file fewer claims.

Low cost car insurance prices

There are a lot of ways you can shop for car insurance but one way is less time-consuming than others. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies belong to an insurance system where insurance shoppers only type in their quote data once, and every company returns a rated price. This prevents consumers from doing form submissions to every company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of system is that you can’t choose the providers to get quotes from. If you wish to select from a list of companies to compare, we put together a list of car insurance companies in your area. Click here to view list.

Whichever way you use, be sure to compare identical information for each comparison quote. If the quotes have different liability limits it will be nearly impossible to determine which company has the best rates. Just slight variations in insurance coverages may result in large price differences. And when quoting car insurance, remember that more quotes helps improve the odds of finding lower pricing. Not every company allows you to get online price quotes, so it’s necessary to compare prices from them, too.

Can you really save $471 a year?

Insurance coverage providers like Geico, State Farm and Progressive seem to constantly run ads on television and other media. They all seem to advertise the message of big savings after switching to them. How is it plausible that every one can offer you a better deal? It’s all in the numbers.

Different companies quote their best rates for the type of driver that is profitable for them. One example of this type of risk profile should be between the ages of 30 and 50, has few claims, and does not commute to work. A propective insured that fits those parameters will probably get the lowest car insurance rates and will save quite a bit of money when switching.

People who don’t measure up to those criteria will probably be forced to pay a higher premium and this can result in the customer not buying. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save the amount stated. This is how insurance companies can confidently make it sound like they have such great car insurance rates. Because every company is different, you really need to do a quote comparison often. It’s just not possible to know which insurance companies will have the best rates at this point in time.

Earn discounts on car insurance

The price of auto insurance can be rather high, but you might already qualify for some discounts to help bring down the price. Many discounts should be triggered when you purchase, but lesser-known reductions have to be manually applied before you get the savings. If you are not receiving all the discounts possible, you could be paying more than you need to.

• Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Forte coverage with some car insurance companies.
• Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Save over 55 – Drivers that qualify as senior citizens may receive a small discount on rates on Forte coverage.
• Professional Memberships – Joining specific professional or occupational memberships or organizations could trigger savings when shopping for car insurance.
• Own a Home and Save – Owning a house can get you a discount because of the fact that having a home requires personal responsibility.
• No Claim Discounts – Insureds with no claims or accidents have much lower rates as opposed to drivers who are more careless.
• College Student Discount – Any of your kids who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
• Low Mileage Discounts – Maintaining low annual mileage can earn discounted prices on garaged vehicles.
• Passive Restraints – Factory air bags or motorized seat belts could see savings up to 30%.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free car insurance policy, it doesn’t quite work that way.

Companies and a summarized list of policyholder discounts are outlined below.

• Geico has savings for defensive driver, five-year accident-free, multi-vehicle, multi-policy, and daytime running lights.
• Auto-Owners Insurance policyholders can earn discounts including paperless, safe driver, group or association, anti-lock brakes, and student away at school.
• American Family offers discounts including bundled insurance, good student, air bags, mySafetyValet, and defensive driver.
• Esurance may offer discounts for claim free, renters, emergency road assistance, good driver, defensive driver, and paid-in-full.
• Progressive may have discounts that include multi-vehicle, multi-policy, online signing, good student, homeowner, online quote discount, and continuous coverage.
• State Farm may include discounts for passive restraint, Steer Clear safe driver discount, defensive driving training, student away at school, anti-theft, multiple autos, and Drive Safe & Save.
• AAA offers premium reductions for AAA membership discount, anti-theft, good student, multi-policy, and multi-car.

When comparing rates, check with all the companies how many discounts you can get. Some of the earlier mentioned discounts might not apply everywhere. If you would like to see a list of car insurance companies with the best car insurance discounts, click this link.

Tailor your insurance coverage to you

When buying proper insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

• How much can I save by bundling my policies?
• Is my Kia Forte covered if I use it for business?
• How much liability do I need to cover my assets?
• Do I have coverage if my license is suspended?
• What is the rate difference between pleasure use and commuting?
• How much liability coverage do I need in my state?
• Do all my vehicles need collision coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, damage from a tornado or hurricane and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision coverage pays for damage to your Forte caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, colliding with another moving vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, chiropractic care and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability insurance – This protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as medical services, legal defense fees, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Smart shoppers get results

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. Too many times, an insured dropped liability limits or collision coverage only to find out that it was a big error on their part. The aim is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Cheaper 2016 Kia Forte insurance is definitely available both online as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer price quotes online and these small, regional companies provide coverage only through independent insurance agents.

For more information, take a look at the following helpful articles:

• Auto Insurance Basics (Insurance Information Insitute)
• Who Has the Cheapest Auto Insurance Rates for a Kia Forte in Jacksonville? (JacksonvilleCoverage.com)
• Red Light Cameras (State Farm)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)